I am a UK born, permanent HK resident in the process of obtaining a dependent visa for my wife. It is possible that immigration might require a credit check. I attempted an online credit check with Transunion, but they don't accept Amex as a credit card which meant that I couldn't proceed with the credit check application. I don't have HK Visa or Mastercard as I never really had a need, until now! Is there an alternative way to obtain a credit check? I have obtained loans from banks in the past, so it must be possible somehow. I welcome any suggestions.